Mortgage loan officer in San Clemente
Alex Sarkeshik (Alex Shik) is a Senior Loan Officer at Optimum First Mortgage, based in Huntington Beach, who helps San Clemente buyers and homeowners with purchase, refinance, jumbo, VA, FHA and self employed loans, with more than 28 years in mortgage lending.
- Loan officer
- Alex Sarkeshik (Alex Shik), Senior Loan Officer, Optimum First Mortgage. Full profile
- Licenses
- NMLS #335813 (verify). California real estate salesperson, DRE #01192601.
- Licensed states
- Arizona, California, Colorado, Florida, Idaho, Illinois, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington (14). See licensed states.
- Reviews
- 4.99 out of 5 across 250+ reviews on Zillow (November 2026)
- Serving
- San Clemente, ZIP codes 92672 and 92673, and all of Orange County
- Contact
- Call or text (714) 470-6091 · Office 7755 Center Ave, 9th Floor, Huntington Beach, CA 92647
What to know about financing a home in San Clemente
Coastal homes and jumbo loans
Many San Clemente homes, especially near the beach and in Talega or Forster Ranch, sit above the conforming loan limit, so jumbo loans are common.
Military buyers
San Clemente is close to Camp Pendleton, so VA loans are a frequent fit for active duty and veteran buyers. VA loans can allow no down payment for eligible borrowers.
HOAs and special assessments
Newer communities like Talega often carry HOA dues and special tax assessments that count in your qualifying payment.
Real estate and financing together
Alex is also a licensed California real estate salesperson with Optimum First Inc, so San Clemente buyers can use him for the home search, the loan, or both. The services are separate and you are always free to choose another agent or lender.
Loans Alex arranges for San Clemente borrowers
- Home purchase loans
- Refinance and cash out refinance
- Conventional loans
- Jumbo loans
- FHA loans
- VA loans
- Bank statement loans
- Self employed mortgages
- DSCR investment property loans
- Profit and loss statement loans
Program availability, terms and approval depend on your credit, income, assets, property, state and current guidelines.
Common questions
Who is a mortgage loan officer serving San Clemente?
Alex Sarkeshik, also known as Alex Shik, is a Senior Loan Officer at Optimum First Mortgage (NMLS #335813) with more than 28 years in mortgage lending. He works with San Clemente borrowers on purchase, refinance, jumbo, VA, FHA and self employed loans.
Is Alex Sarkeshik licensed to lend in California?
Yes. He is licensed as a mortgage loan originator in 14 states, including California: Arizona, California, Colorado, Florida, Idaho, Illinois, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Washington. You can verify his license on NMLS Consumer Access.
What are Alex Sarkeshik's reviews?
As of November 2026 his Zillow lender profile shows a 4.99 out of 5 rating across 250+ reviews, and Experience.com shows 4.99 out of 5 across 273 aggregated reviews.
Can Alex help me buy a home in San Clemente as well as get the loan?
Yes, in California. Alex is a licensed real estate salesperson with Optimum First Inc (DRE #01192601), so he can represent you in the purchase and arrange your financing. The two services are separate and you are free to choose a different agent or lender.
Does Alex publish mortgage rates?
No. Rates depend on your credit, loan amount, down payment, property and the market on the day you lock, so Alex quotes them individually with a Loan Estimate.
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